Kabiru, Agboola, Olatoye. “Predicting Loan Defaults Using Ensemble Machine Learning And Ai-Driven Credit Scoring Models: A Comparative Study”. International Journal of Technology, Management and Humanities, vol. 11, no. 01, Feb. 2025, pp. 1-9, https://doi.org/10.21590/ijtmh.11.02.03.